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Descubra cuándo puede alcanzar la independencia financiera y jubilarse antes. Introduzca su edad, edad objetivo de jubilación, ahorros actuales, ingresos, gastos y supuestos (rentabilidad, tasa de retiro segura, inflación). Los resultados incluyen su cifra FIRE, años hasta FIRE, tasa de ahorro y proyección anual para ver si va por buen camino.
FIRE Number
$1,500,000
Years to FIRE
15
Savings Rate
50.00%
Status
On track
With $120,000 income, $60,000 annual expenses, and a 4% withdrawal rate, estimated FIRE target is $1,500,000. At a savings rate of 50.00%, this example projects financial independence in about 15 years.
Source: FinCalc server-rendered example using the same formulas as the interactive calculator.
Saving $60,000 per year with a 50.00% savings rate can build a FIRE target of $1,500,000 in about 15 years (around age 50).
Cifra FIRE
$1,500,000
60,000 ÷ 4%
Años hasta FIRE
15
Edad 50
Tasa de ahorro
50.00%
Ingresos − gastos
Estado
Por buen camino
FIRE a los 50
| Año | Edad | Inicio | Ahorro | Crecimiento | Final | ¿FIRE? |
|---|---|---|---|---|---|---|
| 2026 | 35 | $200,000 | $60,000 | $8,780.49 | $268,780.49 | — |
| 2027 | 36 | $268,780.49 | $60,000 | $11,800.12 | $340,580.61 | — |
| 2028 | 37 | $340,580.61 | $60,000 | $14,952.32 | $415,532.93 | — |
| 2029 | 38 | $415,532.93 | $60,000 | $18,242.91 | $493,775.84 | — |
| 2030 | 39 | $493,775.84 | $60,000 | $21,677.96 | $575,453.8 | — |
| 2031 | 40 | $575,453.8 | $60,000 | $25,263.83 | $660,717.62 | — |
| 2032 | 41 | $660,717.62 | $60,000 | $29,007.12 | $749,724.74 | — |
| 2033 | 42 | $749,724.74 | $60,000 | $32,914.74 | $842,639.48 | — |
| 2034 | 43 | $842,639.48 | $60,000 | $36,993.93 | $939,633.41 | — |
| 2035 | 44 | $939,633.41 | $60,000 | $41,252.2 | $1,040,885.61 | — |
| 2036 | 45 | $1,040,885.61 | $60,000 | $45,697.42 | $1,146,583.03 | — |
| 2037 | 46 | $1,146,583.03 | $60,000 | $50,337.79 | $1,256,920.82 | — |
| 2038 | 47 | $1,256,920.82 | $60,000 | $55,181.89 | $1,372,102.71 | — |
| 2039 | 48 | $1,372,102.71 | $60,000 | $60,238.66 | $1,492,341.36 | — |
| 2040 | 49 | $1,492,341.36 | $60,000 | $65,517.43 | $1,617,858.79 | ✓ |
FinCalc AI
FinCalc AI
Suggested questions:
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Direct answer: FIRE target = annual expenses / withdrawal rate. For $60,000 spending and 4% withdrawal, target corpus is $1,500,000; lower withdrawal rates increase required capital materially.
Source context: the 4% framework derives from historical safe-withdrawal research (often linked to Trinity-style studies) and should be stress-tested for inflation, sequence risk, and valuation regimes.
Distintos enfoques de independencia financiera. Todos con tasa de retiro 4%.
| Type | Typical Spending | FIRE Number (4%) |
|---|---|---|
| Lean FIRE | $30K–$50K/year | $750K–$1.25M |
| Traditional FIRE | $50K–$80K/year | $1.25M–$2M |
| Fat FIRE | $100K+/year | $2.5M+ |
| Barista FIRE | Part-time income covers gap | Lower (gap ÷ 4%) |
| Coast FIRE | Stop contributing, growth carries you | Today's target for future date |
La regla del 4% se basa en rentabilidades históricas de acciones/bonos US. Puede fallar cuando:
Su cifra FIRE es el tamaño del portafolio que cubre sus gastos anuales a su tasa de retiro segura elegida (p. ej. 4%): cifra FIRE = gastos ÷ tasa de retiro. La calculadora proyecta su saldo año a año en términos reales (tras inflación): cada año añade sus ahorros (ingresos − gastos) y aplica su rentabilidad real esperada. Cuando el saldo alcanza la cifra FIRE, ha llegado a la independencia financiera.
La regla del 4% (Trinity Study) sugiere que puede retirar el 4% de su portafolio anual con alta probabilidad de no agotarlo en 30 años. Algunos usan 3–3,5% para jubilaciones más largas. Una tasa menor implica mayor cifra FIRE y normalmente más años para alcanzarla.
La calculadora usa rentabilidad real (tras inflación) para que su cifra FIRE y plazo estén en poder adquisitivo actual. Rentabilidad real = (1 + rentabilidad nominal) / (1 + inflación) − 1. Sus ahorros anuales se asumen constantes en términos reales.
Si alcanza su cifra FIRE a su edad objetivo de jubilación o antes, va por buen camino. Si no, la calculadora indica que debe ahorrar más: considere una tasa de ahorro mayor, gastos menores, una edad objetivo más alta o (con cautela) una rentabilidad esperada mayor.
Using a 4% withdrawal rate, the target portfolio is $1,500,000 because $60,000 / 0.04 = $1,500,000. With a 3.5% withdrawal rate, the target rises to about $1,714,000. Lower withdrawal rates provide more safety but require more capital.
A 50% savings rate can make a 15-year FIRE timeline possible, especially with consistent investing and 6% to 7% long-run returns. For example, saving $50,000 per year from a $100,000 income can build around $1.25 million in 15 years at 7% assuming no starting balance. Required time changes significantly with market returns and spending needs.
Lean FIRE typically targets lower annual spending, often around $30,000 to $50,000 for a household, while Fat FIRE targets higher spending such as $100,000 or more. At 4%, those imply portfolios of about $750,000 to $1,250,000 for Lean FIRE and $2,500,000+ for Fat FIRE. The right target depends on your expected lifestyle and location costs.
Inflation directly increases the spending number your portfolio must support. If annual spending rises from $60,000 to $75,000, the 4% FIRE target increases from $1,500,000 to $1,875,000. That is a $375,000 increase in required assets from spending inflation alone.
Barista FIRE: you have enough invested to cover the gap between part-time income and expenses. You quit full-time work and supplement with part-time (e.g., barista). Coast FIRE: you have enough today that, without adding more, growth will reach your full FIRE number by retirement age. You keep working but stop saving. Barista needs less capital; Coast needs more upfront.
The 4% rule can underperform with bad sequence of returns (market crash early in retirement), higher inflation than historical, longer than 30-year retirement, or lower future returns. Many retirees use 3–3.5% for extra safety, especially if retiring before 50.
Depends on your spending and withdrawal rate. At $60,000/year spending and 4% withdrawal, you need $1.5M. At 50% savings rate from $100K income, you save $50K/year; at 7% return, that builds ~$1.25M in 15 years from $0. Use the calculator with your numbers.
No. FinCalc (fincalcapp.com) is a separate free FIRE calculator. Firecalc (firecalc.com) is a retirement simulation tool with Monte Carlo and historical scenarios. FinCalc focuses on FIRE number, years to retirement, and savings rate—simpler and faster. Both are free; use whichever fits your needs.
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